Let’s preface this article by saying that you definitely need auto insurance. Injuries and damages resulting from the involvement in a car accident can pile up bills for you, which is when insurance policies come in handy. Auto insurance seems simple at the surface. It’s protection that you avail when you get yourself a car. But there’s a lot that goes into auto insurance. Someone wading into an investment like this without taking the time to learn the ins and outs of it is likely going to get burned, and the money you would have saved by making smarter investments...it gets lessened. And so, we’ve prepared three tips for finding the right auto insurance policy for you and your car.
Be A Safe Driver
This sounds like obvious, perhaps nagging, advice, but drive safely whenever you’re on the road. Being an unsafe driver with a history of accident claims will bloat your insurance costs unnecessarily. One very simple way to be a safer driver is to do what they taught you at driving school and be aware of your surroundings. Focus on the road when you’re at the wheel. Driving while distracted leads to bad things happening to you and the drivers around you. Statistics show that you’re roughly 23 times more at-risk of causing or being involved in an accident when you text while you drive. Stay off your phone when you drive.
Mind Your Driving Habits
Loosely connected to our first piece of advice, but you should be mindful of your habits when it comes to driving your car. We don’t just mean your tendencies when it comes to using turn signals, or practicing proper defensive driving, but also how often you drive. In some cases, insurance carriers will charge higher based on the frequency of your driving, so if you’re making, say, a two or three-hour drive to and from home and work every day, you might be charged more than someone who more regularly saves car usage for the weekends when making grocery runs or going around the city for leisurely purposes.
Ask About Your Deductible Options
This is a little more technical, but it’s worth noting nevertheless. Be aware of the concept of an insurance deductible: basically, your deductible is how much you have to shoulder when filing for an insurance claim before your insurance starts kicking in. For example, having a $500 deductible means that you pay for the first $500 of a claim, and anything past that is covered by your carrier. Typically, the higher the deductible, the less you have to pay for insurance overall, so make sure you ask about your options.
The above three tips we’ve provided should, at the least, give you a simple set of guidelines that you can use to make sure you’re not buying insurance that you don’t actually “need”, per se, and that the insurance you’re actually getting will cover the stuff you actually need help with. When looking for an insurance agency, you need not look any further than Panorama Insurance Agency. Panorama Insurance Agency offers insurance policies for you that cover all sorts of property you own, including your automobiles. So when it comes to auto insurance, Panorama Insurance Agency has you covered.